how can you beat geico and progressive and all the others? how does this thing do it? >> well, the device is called the metro no, ma'am. and it alas us to track -- allows us to track the number of people drive. what we've seen in the u.s. is a change the way we're using our cars. and there is a big divide growing between high mileage drivers and low-mileage drivers. for example --. adam: what is the average per year. used to be 12,000. are we still putting 12,000 on the car? >> used to be 12,000. for the average person under 35 years old, they drive 3,000 miles less than they did 10 years ago. they're driving about 8,000 miles per year. adam: okay. >> when we talk from the people, we hear gas prices are going up. i'm trying to save money. i'm trying to do the right thing for the environment by walking, using my bike. taking public transportation. adam: how do you save money? when i buy car insurance, i'm buying the coverage, god forbid i should be in an accident. i might hurt somebody. how does your plan work? am i paying per mile? is there base fee? how does this work